Title Commercial Lending
Subtitle Principles and Practice (Chartered Banker)
Author Adrian Cudby
ISBN 9780749482770
List price GBP 39.99
Price outside India Available on Request
Original price
Binding Paperback
No of pages 352
Book size 152 X 235 mm
Publishing year 2019
Original publisher Kogan Page Limited
Published in India by .
Exclusive distributors Viva Books Private Limited
Sales territory India, Sri Lanka, Bangladesh, Pakistan, Nepal, .
Status New Arrival
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Review:

“This textbook demonstrates Adrian’s ability to explain and develop the main concepts of the Commercial Lending Sector in a way that is easy to dip in and out of and follow. Adrian’s wealth of experience in the sector alongside simple to understand language, tailored examples, insights and case studies, connects with students in a meaningful way.”

Richard Gregson MBA, Head of Commercial - Wholesale Finance, Close Brothers Leasing


Description:

Endorsed by the Chartered Banker Institute as core reading for one of the modules leading to the Institute’s professional qualifications and chartered status, Commercial Lending supports readers that wish to develop their ability to analyze the creditworthiness of a customer and their business in the context of the current economic climate, future market and sector expectations.

Commercial Lending uses a series of practical exercises and case studies, and provides the tools needed for the reader to understand and appraise a customer’s business strategy. This will then enable the reader to provide appropriate funding solutions to meet the commercial needs of customers while reflecting the bank’s risk appetite. These tools include: how to assess the performance and creditworthiness of a business; how to critically evaluate the robustness of cash flow; and how to undertake sensitivity analysis to quantify sustainable debt repayment capacity. This practical text will present a critical analysis of financial and non-financial information to help readers identify key risks inherent in the customer’s lending proposition. Readers will go on to propose suitable funding solutions that mitigate risk and meet the needs of customer and bank. Online supporting resources include a glossary and updates to regulation.


Contents:

About the author

Preface

Acknowledgments

List of abbreviations

Chapter 1: The relationship between the bank and the customer • Introduction • Learning objectives • Defining small- and medium-sized enterprises (SMEs), mid-sized businesses and micro-enterprises • The legal categorization of business customers • The banker/customer relationship • Chapter summary • Objective check • Further reading • References • Legal case references • Suggested answers for activities • Suggested answers for case study questions

Chapter 2: The financial analysis of businesses • Introduction • Learning objectives • Learner introduction to accounting • The origins of accounting • The rationale for the analysis of financial information • Annual accounts, management information and projections • Key ratio analysis • The use of financial ratios • Financial and non-financial information • Chapter summary • Objective check • Further reading • References • Suggested answers for activities

Chapter 3: Cash analysis • Introduction • Learning objectives • Working capital, historical movements and the impact on cash • Cash flow projections • The use of earnings before interest, tax, depreciation and amortization • Cash flow available for debt service • Overtrading • Chapter summary • Objective check • Suggested answers for case study questions • Suggested answers for activities

Chapter 4: How to structure a lending proposition • Introduction • Learning objectives • Credit risk • Key components of a lending proposition • Making decisions! • Chapter summary • Objective check • Further reading • References • Suggested answers for case study questions • Suggested answers for activities

Chapter 5: The strategic analysis of business • Introduction • Learning objectives • What is strategy? • Strategic tools • Stakeholders • Sectors • Chapter summary • Objective check • Further reading • References • Suggested answers for activities • Suggested answers for case study questions

Chapter 6: Securities for lending • Introduction • Learning objectives • The importance of security • What makes good security? • Different types of charge • Limited company security • Real estate (property) • Guarantees • Personal security • Valuation of security • Discounting factors • Realizing security • Chapter summary • Objective check • Further reading • References • Legal case references • Suggested answers for activities

Chapter 7: Lending products • Introduction • Learning objectives • Lending products • Asset based lenders • What happens when the bank says no? • Where else can businesses find funding? • Alternative funding • International trade finance • Chapter summary • Objective check • Further reading • References • Suggested answers to case studies

Chapter 8: Management and leadership • Introduction • Learning objectives • Assessing management • The relationship between bankers and business management • What is management? • What are the key skills that management require – or, what’s in the toolbox? • Entrepreneurs • Chapter summary • Objective check • Further reading • References

Chapter 9: Businesses facing financial difficulties • Introduction • Learning objectives • How do businesses get into financial difficulties? • What are the routes a business might take to remedy challenges? • What are the choices and options facing the lending banker and how does it protect itself? • Insolvency • Insolvency processes • The banker as a shadow director • Chapter summary • Objective check • Further reading • References • Legal case references • Suggested answers for activities

Glossary

Index


About the Author:

Adrian Cudby runs his own financial training and consulting business based in Leeds, UK. His clients range from international financial institutions to individuals who require one-to-one mentoring and coaching. He is a professional banker (ACIB) with over thirty years’ experience in the industry. He has a Master’s Degree in Business Administration and holds a Postgraduate Certificate in Higher Education.


Target Audience:

Students and academicians of Finance and Banking especially those interested in Commercial Lending Sector.

 
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